About Motor Insurance
Motor Insurance or car insurance policy financially protects your vehicle against any accidental physical damages and protects you against third-party legal liability arising out of your vehicle in the form of injury, death and property damage.
National Life & General Insurance offers various plans that are curated to suit your budget and requirements; making us the fastest growing insurance company in Kuwait
GET A FREE MOTOR INSURANCE QUOTE
Types of Motor Insurance Policies
We provide a wide range of car insurance covers in Kuwait that fits your needs:
Motor own damage insurance in Kuwait covers accidental physical damages suffered by the vehicle insured under the policy. Our motor own damages insurance offers,
- Agency Repairs upto 5 years model
- Zero Excess and Zero Depreciation upto 5 years model
- Unknown accidents coverage
- One time Agency coverage for Front glass upto 5 years model
- Replacement Car
- Road Side Assistance
Optional benefits of Motor Own Damage Insurance:
- Waiver of Subrogation
- Replacement Car
- Roadside Assistance
- Personal Accident
Third party motor insurance policy in Kuwait covers against claims from third party for injury, death and property damages. It is mandatory for all motor vehicles as stipulated by law.
- Motor Own Damage Insurance
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Motor own damage insurance in Kuwait covers accidental physical damages suffered by the vehicle insured under the policy. Our motor own damages insurance offers,
- Agency Repairs upto 5 years model
- Zero Excess and Zero Depreciation upto 5 years model
- Unknown accidents coverage
- One time Agency coverage for Front glass upto 5 years model
- Replacement Car
- Road Side Assistance
Optional benefits of Motor Own Damage Insurance:
- Waiver of Subrogation
- Replacement Car
- Roadside Assistance
- Personal Accident
- Motor Third Party Liability Insurance
-
Third party motor insurance policy in Kuwait covers against claims from third party for injury, death and property damages. It is mandatory for all motor vehicles as stipulated by law.
NLG KUWAIT MOTOR INSURANCE PLANS |
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PLANS APPLICABLE FOR |
PRIVATE INDIVIDUALS / SALOON & 4WD / INSURED AGE > 21 YEARS / MAX SI KD 40,000(Sports, Coupe, Chinese, Luxury & High Value cars are excluded) |
Max Sum Insured KD 30002008 Model onwards |
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PLAN NAME |
PEARL PLAN |
GOLD PLAN |
SILVER PLAN |
BASIC PLAN |
CAR AGE |
Upto 3 years(2021, 2020 and 2019) |
Upto 5 years(2021 – 2017) |
Above 5 Years & Upto 10 Years(2016 – 2012 ) |
50% Cover(2011 – 2008) |
| Repairs | Agency | Agency | Outside Agency | Outside Agency with 50% Depreciation |
| Front Glass | Agency onetime & Second time 50% or outside | Agency onetime & Second time 50% or outside | Outside without Excess | Outside without Excess |
| Unknown Accidents | Upto 10% of SI or KD 1000 per claim covered, above that 25% excess | Upto 10% of SI or KD 1000 per Year, above that 25% excess | Upto 10% of SI or KD 500 per Year, above that 50% excess | 50% Excess for all unknown claims |
| Excess | NIL | NIL | NIL | KD 25 |
| Depreciation | NIL | NIL | 10% for Year 6; 20% for Year 7; 30% for Year 8 | 50% |
| TL – Known Accidetns | Depreciation 10%-15%-20%-25% | Depreciation 10%-15%-20%-25% | Depreciation 10%-15%-20%-25% | Depreciation 50% |
| TL-Unknown Accidents (Driver Outside) | Depreciation 25% | Depreciation 25% | Depreciation 25% | Depreciation – 50% |
| Tires | 100% Covered for Known Accidents & 50% covered for unknown accidents. | 50% Covered for Known Accidents & not covered for unknown accidents. | Not Covered | Not Covered |
| Wheelrims | 100% Covered for Known Accidents & 50% covered for unknown accidents. | 100% Covered for Known Accidents & 50% covered for unknown accidents. | 50% Covered for Known Accidents & not covered for unknown accidents. | 50% Covered for Known Accidents & not covered for unknown accidents. |
| Theft of vehicle | 65% Covered | 65% Covered | 65% Covered | 50% Covered |
| PA Cover | Only for the owner KD 2000 Aggregate / Year | Not Covered | Not Covered | Not Covered |
| Sum Insured | Aggregate | Aggregate | Aggregate | Aggregate |
| Scratches & Dents | Not Covered | Not Covered | Not Covered | Not Covered |
Who can buy our Motor Insurance Policy?
- Kuwait Citizens/Residents with a valid Resident Visa
How to Buy?
Buy Motor Own Damage Insurance With NLG Insurance App
Why National Life & General Insurance Co. SAOG (NLG)
- Competitive rates
- Policy issuance in no time (online option is available)
- Swift and easy procedures
- Transparent and fast claims processing
How to Submit your Claim
All car insurance related claims are settled in a jiffy, made easier with our smart phone self- inspection app and zero physical paperwork involved!
3 important steps to file a claim on your car insurance online:
- Step 1 – Register the claim via:
- Call at 22060722
- WhatsApp at 22060722
- Email at claims.kwt@nlicgulf.com
- Step 2 – Send the vehicle for repair estimation
- Step 3 – Survey and claim settlement
We offer easy claims submission process for a smooth and time-saving experience. Check our detailed claims process here.
Refer to Motor Insurance Policy Wordings to know more about all the limits, exclusions of the policy beforehand, to avoid any hassles.
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Motor insurance offers protection against financial losses related to an insured vehicle. You can claim expenses in the event of accidental physical damages. It can protect against third-party legal liabilities…
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